Fee for withdrawal of credit money in ATMs and cash advance points in the Republic of Cyprus and abroad

3% (EUR 2.5 minimum)

Loading the card at the bank cash department without the card

Free of charge

Non-cash payment for the goods/services in trade outlets, Internet

Free of charge

Report on indebtedness/credit card statement

Free of charge

SMS-informing about money crediting and writing-off

Free of charge

Fee for non-cash payment in Privat24 system and at bank cash departments

3% against the credit limit, 0% against private money + commission fee for carrying out the transaction according to the terms of the Agreement with the recipient of money

Penalty for violation of the payment period (indebtedness on credit limit, interest, fees) by more than 30 days.

The penalty shall be charged one time if you do not settle the overdue debt on credit within the following 60 days

50 EUR + 5% of the amount of total indebtedness on the credit, including the calculated and overdue interests and fees.

Example: as of May 2, the delay of your debt on the card is 31 days. You did not repay the debt before July 2, so your total debt on the credit reached 520 EUR. You will be charged a penalty of 50 EUR + 26 EUR (5% of 520 EUR)

Procedure of the debt repayment when crediting the money to the card account

Advantages for Gold Card Owners

Bonus offers from MasterCard: 24-hour customer care service will help you settle all the issues related to lost or stolen cards, instant cash collection, addresses of ATMs that accept MasterCard, Maestro, Cirrus cards, etc. Additionally, you may enjoy discounts and bonuses when paying with MasterCard (more details can be found at www.mastercard.com);

Grace period – up to 55 days

Universal Gold card from PrivatBank provides a grace period that allows you using credit money for free. In other words, if you pay the credit back within the grace period, you will not have to pay any interest for the period when you used money!

Universal Gold cards have a grace period for using the credit up to 55 days. It means that in order not to pay interests, you have to pay back your debt before the 25th following the month when you used the credit. day (inclusive) of the month following the month when you used the credit.